Compare Bank & Credit Union Rates
Best auto loan rates, new and used
Compare the lowest advertised APRs for new and used vehicle loans from banks and credit unions, with terms, conditions and original sources.
Choose a location to see banks and credit unions with a branch near you.
Top new-car loan rates
Showing 2386–2400 of 2,904 nationwide · median 5.00% APR
- 5.79%APRas low as
Terms
Vehicle age 2025-New. Rates as low as stated.
Auto loan score 67 · Carrot Score 60
Rate checked · Auto loans rates on its site
Rates and branches - 5.79%APRas low aswith conditions
This rate needs autopay.
Terms
Model years 2026-2027
Auto loan score 66 · Carrot Score 78
Rate checked · Auto loans rates on its site
Rates and branches - 5.79%APRas low as
Terms
Model year: 2026 - New
Auto loan score 66 · Carrot Score 80
Rate checked · Auto loans rates on its site
Rates and branches - 5.79%APRas low as
Terms
APR as low as stated; for 2020 and newer model vehicles; term up to 84 months
Auto loan score 65 · Carrot Score 78
Rate checked · Auto loans rates on its site
Rates and branches - 5.79%APRas low as
Terms
Available on amounts $15,000 & above. Certain conditions apply.
Auto loan score 65 · Carrot Score 67
Rate checked · Auto loans rates on its site
Rates and branches - 5.79%APRas low aswith conditions
This rate needs autopay and a checking account, direct deposit or relationship with the lender.
Terms
Rate includes 0.25% direct deposit discount. 84-month terms available for loans with a balance of $40,000 or more. On approved credit for 2022 and newer model years.
Auto loan score 63 · Carrot Score 80
Rate checked · Auto loans rates on its site
Rates and branches - 5.83%APRas low as
Auto loan score 68 · Carrot Score 70
Rate checked · Auto loans rates on its site
Rates and branches - 5.84%APRas low as
Terms
Vehicle model years 2024-2026. Financed up to 125%. Estimated monthly payment: $17.76 per $1,000 (66 mos.).
Auto loan score 68 · Carrot Score 74
Rate checked · Auto loans rates on its site
Rates and branches - 5.84%APRas low as
Terms
Rate as low as 5.84% APR assumes excellent borrower credit history. Actual rates and APRs dependent upon borrower(s) credit qualifications. Additional rate discounts may apply.
Auto loan score 68 · Carrot Score 82
Rate checked · Auto loans rates on its site
Rates and branches - 5.84%APRas low as
Terms
Model Year: 2026 & 2025. Pmt/$1,000: $19.44.
Auto loan score 68 · Carrot Score 76
Rate checked · Auto loans rates on its site
Rates and branches - 5.84%APRas low as · up to 18.00%with conditions
5.84% APR, up to 18.00%
This rate needs autopay and a checking account, direct deposit or relationship with the lender.
Terms
Vehicle must be model year 2024 or newer.
Auto loan score 68 · Carrot Score 84
Rate checked · Auto loans rates on its site
Rates and branches - 5.84%APRas low as
Auto loan score 66 · Carrot Score 85
Rate checked · Auto loans rates on its site
Rates and branches - 5.84%APRas low aswith conditions
This rate needs autopay and a checking account, direct deposit or relationship with the lender.
Terms
Advertised discounted rate (0.50% lower) requires automatic payment and purchasing through the Alliant Credit Union Car Buying Service (TrueCar certified dealer) with a certificate generated within 90 days. Applies to new, untitled vehicles with a loan term of up to 60 months. Monthly payment approx. $19.26 per $1,000 borrowed.
Auto loan score 65 · Carrot Score 91
Rate checked · Auto loans rates on its site
Rates and branches - 5.84%APRas low aswith conditions
This rate needs a checking account, direct deposit or relationship with the lender.
Terms
Model Year: New - 2024
Auto loan score 65 · Carrot Score 84
Rate checked · Auto loans rates on its site
Rates and branches - 5.84%APRas low as
Auto loan score 65 · Carrot Score 80
Rate checked · Auto loans rates on its site
Rates and branches
Each institution’s lowest advertised APR for the vehicle, at terms that reach 60 months: usually its best-credit rate, so yours depends on your credit, the term and the vehicle. A rate that needs autopay, a checking account or similar says “with conditions”; More filters can leave those out. Refinance, lease buyout, recreational and promotional rates that have ended are left out, and a rate far below what other lenders advertise is listed lower down until it’s checked. Carrot Score rates each institution on all its CD, savings, auto loan and credit card rates. How we rank
What new auto loans cost nationwide
2,904 banks and credit unions · checked Oct 22–28
- Typical
- 5.00%
- Top 10% up to
- 4.25%
- Banks, typical
- 6.62%
- Credit unions, typical
- 4.99%
How does your bank’s rate compare?
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Nationwide
Top Carrot institutions
Ranked across their CDs, savings, auto loans and credit cards. How scores work
- Quorum Federal Credit UnionCredit union
- Hanscom Federal Credit UnionCredit union
- Popular DirectBank